Tuesday, May 6, 2025 / by Ryan Huemmer
Buying a Home in Madison, WI
4 Smart Steps to Take Before
Buying a home is one of the biggest decisions you’ll ever make—and preparation is everything. Before you dive into showings and open houses, taking a few essential steps can set you up for success and help you avoid costly surprises. Here are four smart moves to make before you start house hunting.
1. Find a Knowledgeable Real Estate Agent
Your first move should be to team up with a trusted, experienced real estate agent to guide your through the entire process. Amber Huemmer with The Huemmer Home Team - LPT Realty has sold over 2000 homes in the Madison, WI area. A great agent isn’t just there to unlock doors—they’re your advisor, negotiator, and advocate throughout the entire process. They will also connect you with the right people to get the job done smoothly. Check out our Preferred Lenders that our team knows, likes and trusts. They’ll help you understand the local market, fl ...
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Tuesday, April 29, 2025 / by Ryan Huemmer
As a homebuyer in Wisconsin, I’ve been keeping a close eye on mortgage rates, trying to determine whether now is the right time to purchase a home. With rates fluctuating over the past few years and affordability still a challenge, the big question remains: Will mortgage rates go down in 2025?
Looking at recent trends, there’s reason to be cautiously optimistic. Some financial experts predict that mortgage rates could decrease as Treasury yields decline, and home prices might see a slight drop with an increase in available housing. However, this doesn’t necessarily mean that we’ll return to the low rates and affordable home prices of the pre-pandemic years.
How Did We Get Here?
It wasn’t long ago that mortgage rates were at historic lows. After the pandemic hit in 2020, the Federal Reserve cut rates drastically, which led to an unprecedented boom in homebuying. By early 2021, the average 30-year mortgage rate hit a record low of 2.65%. But as inflatio ...
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Tuesday, April 22, 2025 / by Ryan Huemmer
9 Benefits of Homeownership: A Wisconsin Realtor's Perspective
The saying "home is where the heart is" rings especially true when considering the advantages of homeownership. Once you're financially ready to buy a home, the benefits often outweigh the risks. If you're on the fence about purchasing property in Wisconsin, here are ten key reasons to consider homeownership.
1. Stability in Your Monthly Housing Payment
Homeownership provides financial predictability, especially with a 30-year fixed-rate mortgage. Unlike renting, where landlords can increase rent annually, a fixed mortgage ensures stable monthly principal and interest payments. Additionally, refinancing when interest rates drop can further lower costs. For those comfortable with higher payments, a shorter-term mortgage such as a 15-year loan allows for quicker equity building and overall interest savings.
2. Building Equity with Every Payment
Each mortgage payment helps build equity, which is the difference between y ...
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Tuesday, April 8, 2025 / by Ryan Huemmer
10 Smart Strategies for Buying a Home in Wisconsin in 2025
The real estate market is constantly evolving, making it essential for homebuyers to stay informed and adaptable. Whether you’re planning to purchase soon or just exploring your options, these ten strategies will help you navigate the housing market with confidence, especially in Wisconsin where local factors like property taxes and seasonal market shifts can play a big role.
1. Stay Updated on Market Trends
Understanding real estate trends and mortgage movements can be complex, but following industry experts can provide valuable insights. Keep up with housing market updates by reading expert newsletters, listening to real estate podcasts, or tracking local Wisconsin housing reports. Staying informed will help you make better decisions when the time comes to buy.
2. Monitor Mortgage Rate Trends
Mortgage rates fluctuate daily, and while significant drops in borrowing costs aren’t expected in 2025, experts pred ...
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Tuesday, October 3, 2023 / by Ryan Huemmer
The Challenges of Buying a Home Without a Realtor
Buying a home is a significant life milestone and a complex financial transaction. For many, it's the most substantial investment they'll ever make. While it's possible to purchase a home without the help of a realtor, doing so can be a challenging and daunting task. In this blog post, we'll explore some of the reasons why buying a home without a realtor can be hard.
Lack of Expertise and Market Knowledge One of the most apparent challenges of buying a home without a realtor is the absence of professional expertise and market knowledge. Realtors are trained and experienced in navigating the intricacies of the real estate market. They can provide valuable insights into market trends, pricing, and the negotiation process. Without a realtor, you might struggle to make informed decisions, potentially leading to costly mistakes.
Limited Access to Listings Realtors have access to multiple listing services (MLS), which is a comprehem ...
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